First of all, I think you should enjoy each other for a while. Do things together, travel, just have fun being with each other.
To be honest, if you wait till you're financially secure, YOU'RE NEVER GOING TO HAVE KIDS. But, I think you need to have a place to live, some money put aside, someone to watch the child if you're going back to school/work and love and respect for each other. Raising a child is no easy task and it's nice to know that your spouse/partner will be there for you.
I hope i'm making some sense.
Diane
